Date Received: 2022-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I deposited a check from XXXXXXXX XXXX XXXX XXXX in the amount of {$2500.00} to my checking account. Part of the money was supposed to be used to purchase an item I was selling to a buyer. I asked the teller if the bank on the check existed. He looked it up and said that it did. I waited until the check posted to my account ( i.e., funds were available ) on XX/XX/2022. That evening, I made an electronic transfer to an outside account via XXXX in the amount of {$2000.00} ( minus the price of the item I sold ). Today, XX/XX/2022, I learned that the check amount of {$2500.00} was being debited from my checking account as the check had been labeled " stop payment ''. I know that I was scammed, but I feel that the bank misled me into believing that once a deposit has been posted and the funds made available to me, it was up to the bank to discern whether or not to accept a " stop payment '' and return funds to the bank upon which the check had been written. It was not stopped because of insufficient funds.
Company Response:
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had an account with PNC BANK and for the last few years I had a problem with overdraft charges, several due to slow posting of withdrawals. I would check account and it was fine and then I would get several NSF charges due to not posting correctly. I had several small pmts and they posted larger ones and made smaller ones msg. They posted and cleared a check and then 3 days later backed it off. Please help
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan application for HELOC applied for in XX/XX/2022. XXXX signed and funded on XX/XX/2022 at the XXXX XXXX branch office. Same day where I opened checking account and savings account with PNC Bank at the branch where I signed loan documents. Deposit accounts which were opened on XX/XX/2022 were closed on XXXX without clarification. Now PNC bank is wanting to change interest rate from XXXX to XXXX because they state an active PNC Bank account must be used for automatic ACH Payments. PNC bank will lend me hundreds of thousands dollars but will not allow me to maintain a checking or savings account where I can deposit the funds to have my payments automatically drafted from.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I discovered that a check I wrote to the IRS for {$17000.00} for estimated taxes in XXXX had been stolen, washed, forged and cashed by my bank PNC. I immediately filed a police report with the XXXX XXXX Police Department and a fraud charge and affidavit with PNC bank. To date, I have heard nothing from PNC or the police regarding the status of my claim. The check is clearly forged and anyone who looks at it can tell that it was originally made out to the IRS and someone whited it out and wrote their name to cash it. I have called PNC three times to check on the status of their investigation and have not received any written response. I was able to speak to one person, but got a noncomittal " It's under review. ''
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am the owner of an XXXX that has a checking account at PNC Bank. I regularly wire month through PNC 's Pinacle product. On XX/XX/2022 I received an email from a phished email address ( pretending to be my colleague that I regularly wire money to ), informing me that there is a new account to wire money into. I did not notice that the email address did not have the exact same domain name of my colleague. I corresponded with this person and sent approximately {$43000.00} to an account at XXXXXXXX XXXX in XXXX, SC. I found out the next day that I was a victim of fraud. I contacted PNC Bank 's fraud department and provided fraud analyst XXXX XXXX with all of the email headers and forensic email information that I was asked for. I also made an IC3 report to the FBI and was instructed by an FBI agent to ask PNC Bank to do a wire recall and provide a specific contact at XXXXXXXX XXXX a Hold Harmless letter. On XX/XX/2022 I received a voicemail from XXXX XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX telling me that he has concluded the investigation and is going to send me my money back, however he has not received a Hold Harmless indemnification from PNC Bank. I emailed XXXX XXXX to inform him of this. He did not respond. On XX/XX/2022 XXXX XXXX emailed XXXX XXXX directly and told him that he does not have a Hold Harmless indemnification for my account, and to " please send me the HHL directly so you can rectify this for your customer. '' XXXX XXXX even sent XXXX XXXX a form that he could use. XXXX XXXX did not respond. ( emails attached ). That same dayI called my PNC Branch and spoke to an assistant manager named XXXX ( I don't know his last name ) and asked him if he could contact XXXX XXXX 's boss. He told me that he would. On XX/XX/2022 I was informed by XXXX that XXXX XXXX 's boss ( who he refused to identify by name ) responded that XXXX XXXX had not yet concluded its investigation, therefore there was nothing to be done. This is a flat out falsehood. On XX/XX/2022 XXXX XXXX sent me an email stating that XXXX XXXX could do nothing further to assist me, until it received the Hold Harmless indemnification. ( email attached ). He also sent another email to XXXX XXXX regarding the HHI. Neither he nor I have gotten a response from XXXX XXXX. Also on XX/XX/2022 XXXX XXXX called me and told me that " this is the last time that I am going to talk to you. I am wasting so much time trying to get ahold of your bank to try to get your money back to you and all I need is a HHI and XXXX XXXX will not respond to me. This is unprecedented and unprofessional and I'm too busy with other cases to have to beg your bank for an HHI. I send them out all day long in order to get money back for XXXX XXXX clients. '' I then told him how frustrated I was that nobody from PNC would ( XXXX ) provide me with XXXX XXXX 's boss 's name, ( XXXX ) provide me with XXXX XXXX 's phone number, and ( XXXX ) tell me the truth about whether or not an HHI had been sent to XXXX XXXX and if so, to whom? ( I have an email from XXXX XXXX stating that he sent an HHI on XX/XX/XXXX, however he did not. When I later emailed him and asked him to whom he sent it to, he did not respond. XXXX XXXX then told me that I should make a complaint with the CFPB and also find someone high up at PNC Bank to email regarding this complete lack of cooperation in providing XXXX XXXX an HHI so that I can get my {$43000.00} back.
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2022 PNC banks associates did a unauthorized use on my credit card violations statue 15 USC 1602 15 USC 1601
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act XXXX account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank holds my mortgage. My homeowners insurance increased, so as a result my monthly payment increased from {$2500.00} to {$2500.00}. I never received notice of the increase, so in XXXX, I paid the normal amount of {$2500.00}. Later in the month, I received notice that my loan payment was underfunded by {$53.00}. The notice said to send the {$53.00}, which I did IMMEDIATELY upon receiving notice. I was charged a late fee of {$83.00}. The bank -- despite instructing me in a letter to just send the additional funds owed in order to rectify the issue -- decided to NOT deposit my original payment and instead for some reason mailed me a check for {$2500.00}. So, rather than accepting the two partial payments ( {$2500.00} and {$53.00} ) I have sent, which combined is the full payment for the month of XXXX, they recorded me as not paying my loan at all. Despite NINE phone calls to fix the issue, PNC has now reported me to a credit agency and has threatened to take action to foreclose.
Company Response:
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: Online purchase for firewood to heat my home from a fictitious company advertising as a local company on XXXX XXXX. Seller required a {$150.00} XXXX payment for deposit fir a {$370.00} dollar order. Once payment was made they acted like they never received the money and disappeared. Contacted PNC who said they could not reverse or reimburse my payment. I advised them it was digital, how could they not contact the recipient bank and freeze the account for fraud and refund my payment. I was told, too bad so sad, you should only send money through XXXX to people you know... end of story.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I established a political campaign account account about 4 years ago with PNC Bank, primary account number XXXX : XXXX XXXX XXXX XXXX, XXXX Account. I decided to close the account about 6 months ago and they refused to close the account both in writing and by telephone, asking me nonsensical and numerous questions. Eventually I sent a secretary to case a check for the amount of the balance, about {$2000.00} and they still refused to close the account even though the balance was zero. Now they state as of my XXXX statements that I owe them {$24.00} ; but the statement is not clear as to the amount.
Company Response:
State: TX
Zip: 78413
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A